In Gatesville, a typical home is worth $207,300 and typical rent is $1,007 a month. Compared with all of Coryell County, typical household income is 20% lower, typical rent is 15% lower, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $209,071 to $240,247.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Gatesville is in Coryell County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Coryell County. See the county
What this place has that others do not, from public data, most unusual first.
1
Gatesville has the 8th smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (33%).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Gatesville rose 1.6%; in Texas, it fell 1.4%.
3
The typical household income in Gatesville is $57,217,20% less than in Coryell County as a whole ($71,301).
4
The typical rent in Gatesville is $1,007 a month, 15% less than in Coryell County as a whole ($1,186).
5
64% of households in Gatesville own their home, against 59% in Coryell County.
6
12% of households in Gatesville have no internet at home (7% in Coryell County).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Gatesville
What homes there are in Gatesville, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Gatesville
Coryell County
Texas
United States
Kind of home: Gatesville and its comparisons
Measure
Gatesville
Coryell County
Texas
United States
Detached house
79%
67%
64%
61%
Attached house
Unreliable estimate
10%
3%
6%
Building of 2 to 4
8%
11%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
Unreliable estimate
5%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Gatesville, 8 in 10 homes are single-family detached houses; in Coryell County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Gatesville
Coryell County
Texas
United States
Year built: Gatesville and its comparisons
Measure
Gatesville
Coryell County
Texas
United States
Before 1960
20%
12%
12%
26%
1960–1979
32%
28%
21%
24%
1980–1999
22%
28%
28%
25%
2000–2009
12%
16%
18%
14%
2010 or later
15%
17%
21%
11%
The typical home in Gatesville was built in 1979, 8 years before the typical one in Coryell County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K23%
$100K–$200K25%
$200K–$300K31%
$300K–$500K18%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Gatesville and its comparisons
Measure
Gatesville
Under $100K
23%
$100K–$200K
25%
$200K–$300K
31%
$300K–$500K
18%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Gatesville are worth less than $500,000, below the FHA loan limit for Coryell County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gatesville and its comparisons
Measure
Gatesville
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,619 a month
Coryell County: $1,569 a month
Without a mortgage
$527 a month
Coryell County: $548 a month
Owners with a mortgage
51%
Coryell County: 57%
The typical cost for an owner with a mortgage in Gatesville is $1,619 a month, near the figure in Coryell County ($1,569).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Gatesville+160%
Coryell County+71%
Texas+65%
United States+53%
Typical rent
Gatesville+42%
Coryell County+29%
Texas+34%
United States+33%
Typical household income
GatesvilleNo clear change
Coryell County+35%
Texas+27%
United States+29%
Change since 2015–2019: Gatesville and its comparisons
Measure
Gatesville
Coryell County
Texas
United States
Typical home value
+160%
+71%
+65%
+53%
Typical rent
+42%
+29%
+34%
+33%
Typical household income
No clear change
+35%
+27%
+29%
The typical home value in Gatesville rose 160% since 2015–2019, more than in Coryell County (71%).
Rents in Gatesville rose faster than in Coryell County: 42% since 2015–2019, against 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gatesville and its comparisons
Measure
Gatesville
Coryell County
Texas
United States
Rental vacancy
Unreliable estimate
3.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.6%
4.8%
3.4%
People per household
2.21
2.53
2.69
2.53
Drive alone
80%
71%
71%
69%
Carpool
13%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
8%
2%
3%
Work from home
Unreliable estimate
11%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.21 on average, against 2.53 in Coryell County.
More people carpool to work in Gatesville than in Coryell County: 13% against 9%.
Do the math
What would you pay each month for a home in Gatesville?
A typical home costs more than the typical income allows
We start with a typical home in Gatesville, worth $207,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Gatesville, which is $57,217 a year. For that payment to be 28% of income, a household would need to earn about $74,870 a year.
The calculator's FHA and conventional loan limits are those of all of Coryell County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Gatesville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,256 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,747
at 7.18% · 30 years
Loan amount
$203,545
Total interest
$292,853
Paid off in
November 2056
Includes $3,501 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,335 a month
Tight
$1,335 to $1,717 a month
Hard
more than $1,717 a month
Your payment · 37%
Compared with the typical household income in Gatesville ($57,217 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,379
Property tax
$190
Home insurance
$86
FHA mortgage insurance (MIP)
$92
You need at least $7,256 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,747; principal and interest $1,379.
The city and its county
Gatesville and Coryell County
Gatesville is in Coryell County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Gatesville
Map of Coryell County, Texas, with Gatesville marked. Around it, the neighboring counties.
Gatesville
Coryell County
Other cities with a page
Gatesville's own numbers
Typical home value
$207,300
Typical monthly rent
$1,007
Typical yearly household income
$57,217
Households that own their home
64%
Effective property tax rate
1.1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Coryell County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Coryell County.
A typical home in Gatesville is worth $207,300: 6% above the county and 27% below Texas. With the typical household income in Gatesville ($57,217 a year), a typical home costs 3.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Gatesville3.6 years
Coryell2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Coryell County
According to FHFA’s house price index, home prices in Coryell County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Coryell County.
Yearly change in FHFA’s price index in Coryell County, 2016 to 2025
2016: +5.8% +5.8% 2016
2017: +4.2% +4.2% 2017
2018: +3.7% +3.7% 2018
2019: +8.1% +8.1% 2019
2020: +5.7% +5.7% 2020
2021: +16.5% +16.5% 2021
2022: +22.4% +22.4% 2022
2023: +4.9% +4.9% 2023
2024: −1.8% −1.8% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Coryell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+5.0%
+0.8%
+2.9%
5 years (2020–2025)
+54%
+44%
+47%
10 years (2015–2025)
+101%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Gatesville next to Coryell County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Gatesville$207,300
Coryell$195,300
Texas$283,800
United States$332,700
Typical monthly rent
Gatesville$1,007
Coryell$1,186
Texas$1,403
United States$1,413
Typical yearly household income
Gatesville$57,217
Coryell$71,301
Texas$78,476
United States$80,734
See the full table
Gatesville next to Coryell County and Texas
Measure
Gatesville
Coryell County
Texas
U.S.
Typical home value
$207,300 ▲6% above the county
$195,300
$283,800
$332,700
Typical monthly rent
$1,007 ▼15% below the county
$1,186
$1,403
$1,413
Typical yearly household income
$57,217 ▼20% below the county
$71,301
$78,476
$80,734
Households that own their home
64% ▲5 points above the county
59%
63%
65%
Typical yearly property tax
$2,289 ▼14% below the county
$2,654
$4,232
$3,119
Effective property tax rate
1.1% ▼0.26 points below the county
1.36%
1.49%
0.94%
Renters with high rent for their income
33% ▼8 points below the county
41%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Coryell County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Gatesville
For a typical $207,300 home in Gatesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gatesville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,747a month
Least cash to close
Down payment
$7,256
Cash to close
$13,475
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,709a month
Down payment
$10,365
Cash to close
$16,584
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,400a month
Down payment
$41,460
Cash to close
$47,679
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,592a month
Down payment
$31,095
Cash to close
$37,314
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gatesville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,747
$7,256
$203,545
7.18%
FHA MIP · $92
$13,475
580
Conventional, 5% down
$1,709
$10,365
$196,935
7.18%
PMI · $98
$16,584
620*
Conventional, 20% down, no PMI
$1,400
$41,460
$165,840
7.18%
None
$47,679
620*
ITIN, 15% down (example)
$1,592
$31,095
$176,205
8.18%
None
$37,314
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Gatesville is $1,007 a month: 15% below the county. In Gatesville, 33% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Coryell County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Coryell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,138
$21.88
$45,520
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,902
$36.58
$76,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Gatesville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gatesville has 5 ZIP codes with their own.
For 2 bedrooms it is $1,110 in all of them.
None is above the fair market rent for Coryell County ($1,138).
2-bedroom fair market rent in each of the 5 ZIP codes of Gatesville, beside the one for Coryell County. For 2 bedrooms it is $1,110 in all of them. None is above the fair market rent for Coryell County ($1,138).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,138
Lowest: $1,110 (76528)Highest: $1,110 (76599)
Fair market rent by ZIP code and size in Gatesville, fiscal year 2027.
76528
$890
$900
$1,110
$1,540
$1,870
76596
$900
$900
$1,110
$1,540
$1,870
76597
$900
$900
$1,110
$1,540
$1,870
76598
$890
$900
$1,110
$1,540
$1,870
76599
$900
$900
$1,110
$1,540
$1,870
ZIP code2 bd3 bd
76528 $1,110$1,540
76596 $1,110$1,540
76597 $1,110$1,540
76598 $1,110$1,540
76599 $1,110$1,540
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gatesville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Gatesville. These are the largest.
Unnamed1510A Mill St, Gatesville 7652884 homes, 83 low-income · Run by Housing Authority of Gatesville · Average payment: $371 a month(254) 865-2970
Gatesville Trails3807 S. Hwy 36, Gatesville 7652848 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
Pembrooke Court248 Old Osage Rd, Gatesville 7652876 homes
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Coryell County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Gatesville or Coryell County. The ones below are statewide in Texas: they work in Gatesville the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Gatesville or Coryell County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Gatesville and all of Coryell County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Gatesville?
The typical home value in Gatesville is $207,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coryell County it is $195,300.
How much does it cost to rent in Gatesville?
Typical rent in Gatesville is $1,007 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coryell County is $1,138.
What is the FHA loan limit in Gatesville?
Gatesville uses the FHA limit for all of Coryell County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Gatesville?
The typical homeowner in Gatesville pays $2,289 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Coryell County, the rate is 1.36%.
Where can I find free help to buy or rent in Gatesville?
We found no HUD-approved counseling agencies with an office in Coryell County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
